FAQ about Protection and Coverages FAQ about Protection and Coverages

Every Payless car is rented on the assumption that your personal auto policy will cover all liability claims for injuries to others that you cause. This keeps our costs down and we pass that savings on to you in the form of competitive prices. Some Payless locations require you to present written proof of auto liability and physical damage insurance coverage. Proof should include the name and address of the insurer and the policy number. Rental may be denied if you do not present the required proof of insurance coverage. Please refer to individual location policy: Keyword: LIABILITY INSURANCE

Why is Payless asking for my personal insurance carrier in my renter profile?

If damage occurs to your rental vehicle during your rental period, Payless' claim administrators, Sedgwick Claims Management Services and / or Viking Client Services, will attempt to collect on the damage.  These claim administrators will work directly with your personal insurance and collect on the bill from the carrier.
To submit your insurance information, please click this link here.

How do I submit my personal insurance or credit card rental car coverage information to Payless?

Payless is partnered with Axle, an industry-leading third-party partner, to allow you to securely share your insurance information or credit card coverage in seconds.  Axle is committed to your online data privacy and all information shared via this portal is encrypted. Rest assured, you will be able to see what information is being shared every step of the claims process.

Once submitted, Payless' claim administrators, Sedgwick Claims Management Services or Viking Client will work directly with the respective insurance carriers to resolve the claim, less any applicable deductibles or fees. Please note the following:
• For credit card coverage, please file a claim through your administrator first.  Links to file a claim for common cards are available using the link below
• If you accepted the Payless Loss Damage Waiver and there is no breach or contract violation, you will not be charged for the damage

Please click the link here to start the secure process. 

RLP provides the minimum automobile financial responsibility limits required by the state. Not available in all states. See brochure at location for further details.

Personal Effects Coverage: When you purchase optional PEC coverage at the designated daily rate, you and your immediate family are insured for the actual cash value of personal property which they are traveling with against loss or damage. The protection is valid for the period of the rental and is subject to all provisions of the group policy.

Every Payless car is rented on the assumption that your personal auto policy will cover all liability claims for injuries to others that you cause. This keeps our costs down and we pass that savings on to you in the form of competitive prices. Please refer to individual location policy: Keyword: LIABILITY INSURANCE.

PAE provides accident, medical, death and dismemberment benefits for bodily injury resulting from an auto accident PAE also provides benefits from loss or damage to certain personal property while in the rented vehicle. See brochure at location for further details.

Collision Damage Waiver (CDW) is not insurance and not mandatory. If you accept full CDW by your initials on the rental document at the daily rate, for each full or partial day that the car is rented to you, and the car is operated in accordance with this agreement, we assume all loss or damage to the car except, if permitted by law, for lost, damaged or stolen keys or remote entry devices, towing or tire service unless related to an accident, or recovery of the car if stolen, and except for your amount of "responsibility", if any, specified on the rental document. Partial Loss Damage Waiver (PDW) is available only where permitted by law. If you accept PDW at the indicated daily rate, and the car is operated in accordance with this agreement, we assume all loss or damage to the car up to the amount as specified on the rental document and you accept responsibility for all other loss or damage. If you do not accept either CDW or PDW, you owe for all loss or damage to the car. Loss and damage are described in the following paragraph. You acknowledge you have been advised that your own insurance may cover loss or damage to the car.

SLI provides third party auto liability coverage up to $1MM. Available for purchase at the counter in all states; see brochure at location for further details.

Your credit card may cover your responsibility for damage to our vehicle. However, that coverage is almost always secondary or excess to any other coverage you might have, such as your own auto insurance policy. Usually the coverage offered by a credit card applies only to the deductible on the collision and comprehensive portion of your personal auto policy. To be certain, you must check the terms of your credit card agreement.

How do I submit my personal insurance or credit card rental car coverage information to Payless?

Payless is partnered with Axle, an industry-leading third-party partner, to allow you to securely share your insurance information or credit card coverage in seconds.  Axle is committed to your online data privacy and all information shared via this portal is encrypted. Rest assured, you will be able to see what information is being shared every step of the claims process.

Once submitted, Payless' claim administrators, Sedgwick Claims Management Services or Viking Client will work directly with the respective insurance carriers to resolve the claim, less any applicable deductibles or fees. Please note the following:
• For credit card coverage, please file a claim through your administrator first.  Links to file a claim for common cards are available using the link below
• If you accepted the Payless Loss Damage Waiver and there is no breach or contract violation, you will not be charged for the damage

Please click the link here to start the secure process.